Interim Results - Part 10 of 13 | Company Announcement

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	Total income		Operating profit/(loss) before impairments		Operating profit/(loss)
	H1 2011	FY 2010	H1 2011	FY 2010	H1 2011	FY 2010
	£m	£m	£m	£m	£m	£m

RBS Insurance (1)	2,116	4,369	206	(295)	206	(295)
UK branch-based businesses (2)	472	902	248	439	185	160

Total	2,588	5,271	454	144	391	(135)

	RWAs		Total assets		Capital
	30 June 2011	31 December 2010	30 June 2011	31 December 2010	30 June 2011	31 December 2010
	£bn	£bn	£bn	£bn	£bn	£bn

RBS Insurance (1)	n/m	n/m	12.7	12.4	4.2	4.0
UK branch-based businesses (2)	11.5	13.2	19.6	19.9	1.0	1.2

Total	11.5	13.2	32.3	32.3	5.2	5.2

(1)	As reported in the Interim Results for the half year ended 30 June 2011 and Annual Results for the year ended 31 December 2010 and excluding non-core business. Estimated capital includes approximately £1.0 billion of goodwill.
(2)	Estimated notional equity based on 9% of RWAs.

	Division		Total
	UK Retail	UK Corporate	H1 2011	FY 2010
	£m	£m	£m	£m

Income statement
Net interest income	146	200	346	656
Non-interest income	50	76	126	246

Total income	196	276	472	902

Direct expenses
- staff	(39)	(43)	(82)	(176)
- other	(47)	(35)	(82)	(144)
Indirect expenses	(37)	(23)	(60)	(143)

	(123)	(101)	(224)	(463)

Operating profit before impairment losses	73	175	248	439
Impairment losses (1)	(39)	(24)	(63)	(279)

Operating profit	34	151	185	160

Analysis of income by product
Loans and advances	69	174	243	445
Deposits	53	77	130	261
Mortgages	65	-	65	120
Other	9	25	34	76

Total income	196	276	472	902

Net interest margin	4.61%	3.07%	3.57%	3.24%
Employee numbers (full time equivalents rounded to the nearest hundred)	3,000	1,600	4,600	4,400

	Division			Total
	UK Retail	UK Corporate	Global Banking & Markets	30 June 2011	31 December 2010
	£bn	£bn	£bn	£bn	£bn

Capital and balance sheet
Total third party assets	6.6	13.0	-	19.6	19.9
Loans and advances to customers (gross)	6.9	13.4	-	20.3	20.7
Customer deposits	8.8	14.9	-	23.7	24.0
Derivative assets	-	-	0.4	0.4	n/a
Derivative liabilities	-	-	0.1	0.1	n/a
Risk elements in lending	0.5	1.1	-	1.6	1.7
Loan:deposit ratio	79%	90%	-	86%	86%
Risk-weighted assets	3.3	8.2	-	11.5	13.2

Interim Results - Part 10 of 13

Companies

UK 100

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